Because you're going to get it wrong. No offence intended, I would too, but if you haven't been sleeping, eating, breathing security for a while, you're going t

Because you're going to get it wrong. No offence intended, I would too, but if you haven't been sleeping, eating, breathing security for a while, you're going to make a mistake, and it'll cost people. And all the other points about it needing more functionality than you'd expect.